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Portfolio Landlord Mortgages
If you have at least 4 properties for investment purposes, then there is a good chance you have heard the phrase portfolio landlord. But what does that actually mean? It means you may find your current lender(s) are now unwilling to lend to you, or may not be willing to lend you as much as before.
Who is a portfolio landlord?
Well, that depends on who you ask! It varies from lender to lender, but if you own or will own 4 investment properties on completion of a mortgage, then there is a good chance the mortgage lender will consider you a portfolio landlord.
Whilst having the experience you have is a good thing, you may have noticed that lenders are now beginning to ask you for more documents, or may even be unwilling to lend to you now.
This is where a mortgage adviser can help ensure you get the right mortgage for your plans. At Woodason Financial Services, we will listen to what you need and want, creating a solution that achieves what you want.
Let us guide you through the process
You've done it - you now have a portfolio of investment properties. You've been letting them out for some time, so that should be enough for any mortgage lender. Surely things should only get easier from here?
Well, you may find your current lender will not want to lend to you any more - some do not lend to portfolio landlords, some may have an exposure cap, either in lending amounts or properties mortgaged with them, while others may not be happy with the performance of some properties in your portfolio.
Have no fear - we at Woodason Financial Services can guide you through all your options. Whether you have 4 properties or 400, want to buy more or simply refinance your properties on to a new deal, we will work with you to deliver a mortgage that meets all your needs.
Best of all? We will do this all for you without charging you a single penny.
Online mortgage calculators will not have the insight or knowledge that a mortgage adviser will - least of all one who is also a landlord themselves. Speak to an adviser today and ensure you are getting the right mortgage for your needs, and that you understand not just the benefits but also the risks involved, and how best to protect yourself against them.
At Woodason Financial Services we have in-depth knowledge of what is possible with each lender, including specific niche circumstances. For example, we could:
• Help you borrow up to 85% net of the price of the property
• Help you buy the property with a company - or move them into one
• Remortgage all your property to one lender, moving them all onto one deal and simplifying your portfolio
• Help you invest in UK property whilst abroad
• ...and many more!
Contact us today and find out how Woodason Financial Services can help you, completely for free.
Frequently Asked Questions
We understand you will have many questions. We have answered the most common ones below, but please do not hesitate to contact us at any time to discuss your particular requirements.
What makes Woodason Financial Services different from other mortgage brokers?
Woodason Financial Services specialises in helping individuals, business owners, and investors with unique circumstances secure mortgages. Unlike many other brokers and lenders, we will never refuse to take on a case. Our general expertise and knowledge in these niche areas allows us to provide tailored solutions that other brokers might not offer.
How can Woodason Financial Services assist me?
Woodason Financial Services can assist you by understanding the specifics of your particular situation and working with lenders who are more flexible and experienced with your specific needs. We offer personalised advice, help you gather the necessary documentation, and guide you through the entire mortgage application process, making it less stressful and more manageable.
What types of mortgages can Woodason Financial Services help with?
Woodason Financial Services can assist with a variety of mortgage needs including purchasing a new property, refinancing an existing mortgage, or investing in property. Our goal is to find the best mortgage solutions that fit your specific circumstances and financial objectives.
What documentation will I need to provide?
Typically, you will need to provide documentation of your bank statements, proof of identity, and proof of income. Woodason Financial Services will guide you through the exact requirements based on your situation and ensure you have everything needed for a successful application.
How do I get started with Woodason Financial Services?
Getting started is easy. Simply contact us to schedule a consultation. We’ll discuss your specific needs, assess your financial situation, and outline how we can help you achieve your mortgage goals.
What particular "difficult" mortgages do you specialise in?
Woodason Financial Services specialises in all tricky circumstances. Particular highlights include:
• 5% deposit mortgages for clients in the UK on a visa
• Day 1 mortgages for clients moving to the UK on a visa
• Bad credit mortgages, including clients facing receivership or bankruptcy
• Helping foreign nationals who have never been to the UK invest in UK property with a mortgage
• ...and many more!
No matter how impossible you think it is - please contact us today, completely free, for our help and advice.
Our guides
Buying UK Property On A Visa
Our brochure will help you arrange finance without being distracted from your life. We are experts in helping clients in the UK on a visa buy property in the UK, whether you intend to live in it, or as an investment. Download it below, completely free.
Buying Your First Home Guide
This guide is a must-have for those who have not bought their own home. It explains and breaks down in plain English the steps needed to get a mortgage to buy your first home. Best of all, you can get it now for free by clicking below.
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IMPORTANT INFORMATION
Think carefully before securing other debts against your home. Your mortgage is secured on your home, which you could lose if you do not keep up your mortgage repayments.
We may charge a fee for mortgage advice in exceptional circumstances. The amount we charge will be confirmed before any charge is incurred. Please refer to the Terms of Business or contact us for further information.
woodason.co.uk is a trading name of Thanet Mortgages Limited which is authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it. Think carefully before securing other debts against your home. Not all forms of bridging finance, secured loans, buy to let and commercial mortgages are regulated by the Financial Conduct Authority.
Woodason Financial Services Limited is never directly compensated to provide opinions on products, services, websites, and various other topics. The views and opinions expressed on this website are purely those of the authors. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.
This site does not contain any content which might present a conflict of interest. Woodason Financial Services Limited makes no representations, warranties, or assurances as to the accuracy, currency or completeness of the content contain on this website or any sites linked to or from this site.
Registered in England & Wales under company no: 15330673.
Registered address: 76 High Street, Brierley Hill, West Midlands, United Kingdom, DY5 3AW.
YOUR HOME OR PROPERTY IS AT RISK IF YOU ARE UNABLE TO MAINTAIN PAYMENTS ON ANY MORTGAGE OR LOAN SECURED AGAINST IT.
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